Research Publications
Auto Insurance Affordability: Cost Drivers in New York
This report continues the IRC’s examination of key cost drivers in selected states. The specific factors driving high insurance claim costs can vary from state to state. This report looks specifically at injury claim severity, the impact of unlimited benefits, medical treatment, and attorney involvement.
Auto Insurance Telematics & Smartphone Use: Consumer Survey Report
This report explores consumer attitudes and opinions with respect to auto insurance telematics and usage-based insurance. The report finds that many drivers participating in the programs change their driving behavior in response to information provided by their insurance companies about their driving gathered with a telematics device. The report also confirms that many drivers are concerned about the privacy of their personal information.
Attitudes on Home and Vehicle Ownership
This report summarizes findings based on a recent survey conducted on behalf of the IRC regarding
personal auto, homeowners, and renters insurance. The survey sample of 2,000 adult respondents was
representative of the United States’ general population with respect to age, gender, income, and region.
Trends in Homeowners Insurance Claims, 2019 Edition
This report documents homeowners insurance claim frequency, severity, and loss cost trends from 1997 to 2018. Special emphasis is given to the role of catastrophe-related claims. Countrywide and state findings are presented.
Trends in Auto Injury Claims, 2019 Edition
This updated study finds that auto injury claim severity pushes insurance costs higher.
Auto Insurance Affordability: Cost Drivers in Florida
The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.
Auto Insurance Affordability: Cost Drivers in Louisiana
The report combines information from IRC closed-claim research and other sources and is part of IRC’s ongoing research into the factors driving the affordability of auto insurance.
Autonomous Vehicles and Transportation Network Companies: Public Attitudes and Opinions
This survey report explores the opinions about autonomous vehicles and transportation network companies.
Third-Party Bad Faith in Florida's Automobile Insurance System, 2018 Update
A report updating findings on the impact of Florida’s third-party bad-faith legal environment on BI liability auto insurance claim trends.